North Georgia Gal's Financial Awakening

Trying to Make Smarter Decisions Day by Day

Where to Begin...it is hard to believe that it has been 9 years since I started this Blog. You guys have always been here supporting me and cheering me on.

I am in the process of refinancing my LOC into a mortgage, rolling my credit card debt into it. Will probably then close all of my credit cards after that.

I still have my budget in place for a couple of months out, but I still have to make changes to it.

I hope to sell my house in about 6 months, and move closer to my kids, about an hour away. I will still commute to work because it would only be about 40 minutes. But this can't happen until my responsibility to my mom is done, she is close to moving in with my niece, but who knows when that will happen.

Dreary June Financials

July 3rd, 2016 at 07:31 am

Well...at least I paid my bills and didn't have to beg, borrow or steal to do so. But I didn't do as well as I would have liked. I am extremely disappointed with the amount of money I spend on food. Between eating out and groceries I spent an outrageous amount of money. I am working on eating out by taking my lunch to work. But pizza was my down fall last month. I ordered pizza like 6 times. Must make an effort not to do that. If I could just get the eating out number down, I would be happy. I did manage to put $40 into my savings account.

I haven't heard from plastic surgeon and suspect that I won't. I made it clear that if insurance didn't pay I couldn't do anything.

I fell up the stairs yesterday which really hurt. But the drainage has stopped and I wasn't in pain...

I finally admitted to myself yesterday that my company is in serious trouble and I might not have a job much longer. The owner was counting on a SBA loan to save us, but we found out we don't qualify for it. I don't know what is going to happen. My boss(who happens to the owners daughter) is leaving the company. I knew this was going to happen. They tried to grow too quickly. But my boss said that she knows something I don't and that I will be okay if my company folds. I think she means that I will have a job where she is going, which is a company that I have a long standing relationship with. I don't know what that will entail but I am scared that it will mean driving to Atlanta, about 2 hours away. We shall see what happens.

Don't beat yourself up over the pizza. You were still recovering from surgery, so it's understandable that cookingwas not on your agenda. While ordering out a lot can get expensive, maybe buying some frozen pizzas would still be less time consuming and not so expensive. Just a thought.

Sorry about your fall. And equally sorry about the prospect of your company closing. Yikes!

I think the frozen pizza ideas are good ones. Planning meals ahead also helps, but I realize you are still recovering so you need to take it easy. Maybe find something else to cut to make up for the pizza expenses.

I would trust your instincts about a possible upcoming job loss and start preparing now. I would get serious about cutting out the pizzas and try to shore up as much cash on hand as possible, to tide you by should you suddenly become unemployed.

Recovering from surgery, by yourself no less, is not easy. July is pretty fresh and you can make your eating out improvements now. I third the suggestion to buy frozen pizza, and even some other frozen "junk" food. If you are going to eat take-out anyway, you might as well eat it from your freezer and save some money. I have started to keep a few not so healthy but quick and tasty meals in the freezer. Because I have admitted to myself that when I crave something quick and not healthy, I'm not going to magically turn around and make myself a salad.